The shift from accumulation to decumulation requires a fundamental change in mindset and strategy. This milestone guides you through the irreversible decisions of Social Security, Medicare, and tax-efficient withdrawal.
Analyze the breakeven points for claiming at 62, full retirement age, or 70. Delaying can significantly increase your guaranteed lifetime income.
Navigate the initial enrollment period to avoid lifetime penalties. Understand the difference between Original Medicare and Advantage plans.
Structure your withdrawals to minimize tax impact across taxable, tax-deferred, and tax-free accounts using a dynamic withdrawal strategy.
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